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Retirement tax questions
I may've found the answer.
https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary
"Generally, inherited Roth IRA accounts are subject to the same RMD requirements as inherited traditional IRA accounts. Withdrawals of contributions from an inherited Roth are tax free. Most withdrawals of earnings from an inherited Roth IRA account are also tax-free. However, withdrawals of earnings may be subject to income tax if the Roth account is less than 5-years old at the time of the withdrawal."
This is much clearer language than the official IRS publication.
March 13, 2025
8:58 PM